OTCPK:TYIB.F

Stock Analysis Report

Executive Summary

Türkiye Is Bankasi A.S. provides various banking products and services.

Snowflake

Fundamentals

Very undervalued with adequate balance sheet.

Share Price & News

How has Türkiye Is Bankasi's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

OTCPK:TYIB.F

0.3%

US Banks

0.9%

US Market


1 Year Return

n/a

OTCPK:TYIB.F

-13.6%

US Banks

0.3%

US Market

No trading data on TYIB.F.

No trading data on TYIB.F.


Share holder returns

TYIB.FIndustryMarket
7 Day0%0.3%0.9%
30 Day0%-5.1%-1.9%
90 Dayn/a-3.5%1.6%
1 Yearn/a-11.2%-13.6%2.6%0.3%
3 Yearn/a43.6%33.7%41.0%31.8%
5 Yearn/a53.7%37.0%55.2%38.0%

Price Volatility Vs. Market

How volatile is Türkiye Is Bankasi's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Türkiye Is Bankasi undervalued based on future cash flows and its price relative to the stock market?

>50%

Discount to future cash flow value


Intrinsic Value Based on Future Cash Flows

Türkiye Is Bankasi's share price is below the future cash flow value, and at a moderate discount (> 20%).

Türkiye Is Bankasi's share price is below the future cash flow value, and at a substantial discount (> 40%).


Price Based on Earnings

Türkiye Is Bankasi is good value based on earnings compared to the US Banks industry average.

Türkiye Is Bankasi is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Türkiye Is Bankasi is good value based on expected growth next year.


Price Based on Value of Assets

Türkiye Is Bankasi is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Türkiye Is Bankasi expected to perform in the next 1 to 3 years based on estimates from 12 analysts?

15.9%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Türkiye Is Bankasi's revenue is expected to decrease over the next 1-3 years, this is not considered high growth.

Türkiye Is Bankasi's earnings are expected to grow by 15.9% yearly, however this is not considered high growth (20% yearly).

Türkiye Is Bankasi's revenues are expected to decrease over the next 1-3 years, this is below the United States of America market average.

Türkiye Is Bankasi's earnings growth is expected to exceed the United States of America market average.

Türkiye Is Bankasi's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Türkiye Is Bankasi is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).


Next Steps

Past Performance

How has Türkiye Is Bankasi performed over the past 5 years?

16.9%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Türkiye Is Bankasi's year on year earnings growth rate has been positive over the past 5 years.

Türkiye Is Bankasi's 1-year earnings growth exceeds its 5-year average (17.2% vs 16.9%)

Türkiye Is Bankasi's earnings growth has not exceeded the US Banks industry average in the past year (17.2% vs 40.7%).


Return on Equity

Türkiye Is Bankasi has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Türkiye Is Bankasi used its assets more efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Türkiye Is Bankasi improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Türkiye Is Bankasi's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

Türkiye Is Bankasi has an acceptable proportion of non-loan assets held.

Türkiye Is Bankasi has a low allowance for bad loans.

Türkiye Is Bankasi's liabilities are made up of primarily low risk sources of funding.

Türkiye Is Bankasi's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at Türkiye Is Bankasi are broadly funded by customer deposits.

Türkiye Is Bankasi has a high level of bad loans (greater than 2%).


Next Steps

Dividend

What is Türkiye Is Bankasi's current dividend yield, its reliability and sustainability?

5.83%

Expected Dividend Yield


Dividend Yield and Payments Analysis

Unable to evaluate Türkiye Is Bankasi's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate Türkiye Is Bankasi's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as Türkiye Is Bankasi has not reported any payouts.

Unable to verify if Türkiye Is Bankasi's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Türkiye Is Bankasi has not reported any payouts.


Future Payout to Shareholders

Dividends after 3 years are expected to be well covered by earnings (5.3x coverage).


Next Steps

Management

What is the CEO of Türkiye Is Bankasi's salary, the management and board of directors tenure and is there insider trading?

2.2yrs

Average board tenure


CEO

Adnan Bali (56yo)

8.1yrs

Tenure

0

Mr. Adnan Bali has been the Chief Executive Officer of Türkiye Is Bankasi Anonim Sirketi since April 1, 2011 and serves as its Member of the Executive Board and Director. Mr. Bali serves as Manager of Isba ...


Board Age and Tenure

2.2yrs

Average Tenure

57yo

Average Age

The average tenure for the Türkiye Is Bankasi board of directors is less than 3 years, this suggests a new board.


Insider Trading

No 3 month insider trading information.


Ownership Breakdown


Management Team

  • Adnan Bali (56yo)

    CEO, Member of Executive Board & Director

    • Tenure: 8.1yrs
  • Senar Akkus (49yo)

    Deputy CEO & Member of Executive Board

    • Tenure: 0.0yrs
  • Murat Bilgiç (50yo)

    Deputy CEO & Member of Executive Board

    • Tenure: 0.0yrs
  • Gamze Yalcin (47yo)

    Deputy CEO & Member of Executive Board

    • Tenure: 0.0yrs
  • Ömer Karakus (53yo)

    Deputy CEO & Member of Executive Board

    • Tenure: 0.0yrs
  • Yilmaz Ertürk (54yo)

    Deputy CEO & Member of Executive Board

    • Tenure: 0.0yrs
  • Hakan Aran (50yo)

    Deputy CEO & Member of Executive Board

    • Tenure: 0.0yrs
  • Yalçin Sezen (53yo)

    Deputy CEO & Member of Executive Board

    • Tenure: 0.0yrs
  • Nevzat Seyrek (48yo)

    Deputy CEO & Member of Executive Board

    • Tenure: 0.0yrs
  • Ali Ünal

    Head of Financial Management Division

    • Tenure: 0.0yrs

Board Members

  • Adnan Bali (56yo)

    CEO, Member of Executive Board & Director

    • Tenure: 8.1yrs
  • Ertugrul Bozgedik (54yo)

    Vice Chairman of the Board

    • Tenure: 0.1yrs
  • Füsun Tümsavas (61yo)

    Chairman of the Board

    • Tenure: 0.1yrs
  • Feray Demir (50yo)

    Director

    • Tenure: 3.2yrs
  • Turkay Berksoy (67yo)

    Director

    • Tenure: 5.2yrs
  • Rahmi Türeli (55yo)

    Director

    • Tenure: 2.2yrs
  • Müslim Sari (44yo)

    Director

    • Tenure: 2.2yrs
  • Ersin Önder Çiftçioglu (58yo)

    Director

    • Tenure: 2.2yrs
  • Özcal Korkmaz (73yo)

    Director

    • Tenure: 2.2yrs
  • Murat Karayalçin (75yo)

    Director

    • Tenure: 2.2yrs

Company Information

Türkiye Is Bankasi A.S.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Türkiye Is Bankasi A.S.
  • Ticker: TYIB.F
  • Exchange: OTCPK
  • Founded: 1924
  • Industry: Diversified Banks
  • Sector: Banks
  • Market Cap: YTL23.184b
  • Listing Market Cap: YTL3.831b
  • Shares outstanding: 4.50b
  • Website: https://www.isbank.com.tr

Number of Employees


Location

  • Türkiye Is Bankasi A.S.
  • Is Kuleleri
  • Levent
  • Istanbul
  • 34330
  • Turkey

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
TYIB.FOTCPK (Pink Sheets LLC)YesGroup C Registered SharesUSUSDJul 1990
ISCTRIBSE (Borsa Istanbul (BIST))YesGroup C Registered SharesTRTRYJul 1990
ISBTRIBSE (Borsa Istanbul (BIST))Group B Registered SharesTRTRYAug 1991
ISATRIBSE (Borsa Istanbul (BIST))Group A Registered SharesTRTRYAug 1991
TIBDLSE (London Stock Exchange)GDR C RG S NEWGBUSDMay 1998
ISKURIBSE (Borsa Istanbul (BIST))FOUNDER SHARES NPVTRTRYSep 2004

Biography

Türkiye Is Bankasi A.S. provides various banking products and services. The company offers corporate and commercial banking services, including project financing, operating and investment loans, deposit an ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/05/20 01:58
End of Day Share Price2019/02/21 00:00
Earnings2018/12/31
Annual Earnings2018/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.